Getting into a car accident is bad enough, but finding out the other driver doesn’t have insurance? That can be a nightmare. Suddenly, you’re left wondering how to cover medical bills, car repairs, and lost wages. But don’t panic; you still have options. At Benavidez Law Firm, we help you navigate this tricky situation, guide you about what to do after a car accident, and ensure you’re not stuck paying for someone else’s mistake.
Georgia’s Insurance Rules (And What Happens When Someone Ignores Them)
In Georgia, all drivers are legally required to carry insurance. The minimum coverage includes:
- $25,000 for injuries per person
- $50,000 for injuries per accident
- $25,000 for property damage
But just because the law says you have to be insured doesn’t mean everyone follows the rules. Some drivers take the risk and hit the road without coverage, putting others in a tough spot when accidents happen.
What Are Your Options If the Other Driver Has No Insurance?
- Uninsured Motorist (UM) Coverage – Your Safety Net
- This is your best bet if you have uninsured motorist coverage (UM) as part of your policy. It covers medical bills, lost wages, and car repairs if the at-fault driver is uninsured. If you don’t have it, now’s a great time to check with your insurance provider about adding it.
- Underinsured Motorist (UIM) Coverage – When Their Insurance Isn’t Enough
- Sometimes, the other driver has insurance, but their policy limits are too low to cover your damages. That’s where underinsured motorist (UIM) coverage kicks in. It helps cover the gap between what their insurance pays and what you actually need.
- Filing a Lawsuit – A Tough But Possible Route
- If the uninsured driver has personal assets, you could sue them to recover your damages. But let’s be real—most people who don’t carry insurance don’t have much in the way of assets. While suing is an option, it’s not always the most effective way to get compensated.
- MedPay Coverage – Extra Protection for Medical Bills
- Medical Payments (MedPay) coverage is an optional add-on that helps cover medical expenses, no matter who was at fault. It won’t pay for property damage, but it can be a lifesaver for hospital bills after an accident.
Why You Need a Lawyer in These Situations
Dealing with an uninsured driver is frustrating, and insurance companies love to make the process even harder. They might try to lowball your claim or deny it altogether. That’s where we come in. At Benavidez Law Firm, we know how to handle these cases, help you recover your damages, and make sure you get the compensation you deserve.
If you’ve been in an accident with an uninsured driver, don’t go through it alone. Call us today for a free consultation, and let’s talk about how we can help you move forward.
